National & real-time payments
Product and technology leadership across IMPS, merchant payments, the National Unified USSD Platform (*99#/NUUP), SlimSIM-based mobile-payment platform work and UPI / BHIM implementation and integration.
About AURA
Founder-led technology built from real payment-system and product experience.
AURA — Advanced Unified Real-Time Architecture — is a founder-controlled commerce-and-payments technology platform operated by AADHARAV Technologies Private Limited.
Its implemented foundation is AURA Commerce. The wider AURA platform is designed to deepen into institution and participant enablement only where real customer, rail and operating requirements justify that expansion.
Dheeraj Bhardwaj
Founder — AURA
Payments Technology & Product Leader
Real-Time & National Payment Systems
Founder
Dheeraj Bhardwaj
A payments technology and product leader with more than two decades spanning early mobile commerce, merchant payments, national and real-time payment systems, payment architecture and implementation.
His work has covered product conceptualisation, functional architecture, specifications, participant and bank integration, vendor delivery, testing and certification, settlement and reconciliation, disputes, regulatory readiness and operating-model design.
Merchant payments & acceptance
Product and R&D leadership across POS, acquiring, cards, UPI / QR, merchant integrations and commerce-linked payment capability.
Payment architecture & specifications
Functional architecture, development-grade specifications, participant flows, exceptions, reconciliation, disputes and operating requirements.
International payment systems
Architecture, interoperability, QR, settlement, participant and operating-model work across national and real-time payment programmes.
Why AURA exists
Turn accumulated payments experience into reusable product and platform IP.
AURA brings together two threads that repeatedly appear across payment programmes: the regulated infrastructure that moves money and the merchant, customer, participant and operating capability required to make that infrastructure usable.
The goal is not to recreate the rail, bank or settlement system. It is to build reusable technology around those authorities, starting from the implemented AURA Commerce platform and expanding only where validated enterprise demand supports it.
Career foundation
A career across engineering, payment rails, merchant acceptance and platform architecture.
The founder story matters because it explains the design heritage behind AURA. It is not intended to reproduce a full CV.
Engineering foundation
IIT Kanpur
B.Tech in Materials & Metallurgical Engineering, followed by a career transition into software, financial technology, product architecture and payments.
Early mobile payments
Cellnext
Led early mobile-commerce product conceptualisation and development across multi-channel merchant payments, prepaid/mobile-wallet services and related merchant/customer capabilities, using SMS, IVR, web and Java/J2ME mobile applications with bank/card integration, settlement, reconciliation, refunds and fraud/risk.
National payments
NPCI
Early product and technology leadership across IMPS and IMPS Merchant Payments, the National Unified USSD Platform (*99#/NUUP) and a SlimSIM-based common mobile-payment platform, followed by direct contribution to UPI/BHIM implementation and integration.
Platform leadership
IDEMIA & Ingenico
Software-development, platform and R&D leadership spanning digital identity, financial inclusion, POS, acquiring and merchant-payment systems.
Independent work
Payments architecture & advisory
Independent work across banks, fintechs, payment-system programmes and regulated platforms covering architecture, specifications, implementation assurance and operating models.
Founder
AURA
A founder-led effort to turn accumulated payment-system and product experience into reusable commerce-and-payments technology and independently owned platform IP.
Company & product structure
One company identity. One platform. One implemented commerce product today.
Company / platform identity
AURA
Advanced Unified Real-Time Architecture — the founder-led commerce-and-payments technology and long-term product/IP platform.
Implemented product
AURA Commerce
The current implemented commerce operating platform within the same maintained AURA product line.
Legal operator
AADHARAV Technologies Private Limited
The company operating the AURA platform and associated founder-led technology activities.
Work with AURA
Platform deployment, founder-led professional work or a combination of both.
Start with the institution, payment environment and required outcome. The first discussion can establish whether the need fits the current AURA platform, a deployment-specific integration, a founder-led professional engagement or a combination.